Buildings Insurance
RAC buildings insurance offers you financial security should something unforeseen happen to your home. It covers the structure of your property for damage if the unthinkable should happen. We cover a range of events as standard, from floods and fires to earthquakes and vandalism. With a range of optional extras, we can give you even more reassurance that someone will be on hand whenever you need it.
At RAC we offer buildings and contents insurance which can be bought separately, or as a joint policy.
Rely on us to deal with your claim quickly and fairly
Protect your contents against damage caused by fire, theft or flooding
Alternative accommodation if your home isn’t safe to live in2
Why choose RAC Buildings Insurance?
24/7 claims helpline – in event of a claim, let us help put things right | Manage your policy online – no fuss, no phone call needed and open 24/7 | Tailor your policy to suit your needs with our range of optional extras |
What’s included in RAC standard buildings insurance?
We offer a comprehensive buildings insurance policy that covers structural damage to your property. This includes most elements including the windows, doors, walls, roof and floors, as well as any permanent fixtures inside and outside the property. This includes a bathroom suite, garage or shed. These things are protected from damage as a result of several events.
The following are covered as standard:
- Storms, earthquakes and floods
- Subsidence
- Fire and explosions
- Escape of water, for example a burst pipe
- Trees, aerials or satellite dishes falling and damaging your property
- Burglary and vandalism
- Impact damage from vehicles
Optional extras
Sometimes you need that little bit extra. With our RAC home buildings insurance you have the option to add extra protection for just a few pounds more a month. Read more about our range of optional extras.
What about Contents Insurance?
At RAC we offer different types of home insurance policies. These include buildings insurance, contents insurance and a combined buildings and contents insurance.
Contents insurance provides financial assistance for damage, loss or theft of personal contents in your home. It can cover you for situations, such as a flood or burglary. If you’re renting a property, its your responsibility as the tenant to arrange insurance for your contents.
Frequently Asked Questions about buildings insurance
It’s quick and easy to get a quote. All you need to do is provide some basic personal information as well as information about your property that includes the address, postcode, the size and type of the property, the age and the level of security. You should also let us know if you’ve had any home insurance claims in the last five years and if your property or local area has experienced subsidence in the past.
It’s quick and easy to get a buildings insurance quote, whether that’s online or on the phone. Just provide us with enough details and we will send you a quote for your policy within minutes. This can be done online, or if you prefer to call, our phone number is 0333 070 2666.
No, not as a separate policy. Subsidence is covered as standard in RAC home buildings insurance.
However, if there has been any history of subsidence at your property or in the local area, you must tell us at quote stage. If you live in a high-risk subsidence area, based on your postcode, your policy and/or the price you pay may reflect this. Failure to do so could result in a claim not being paid and your policy made void.
We offer comprehensive buildings insurance that covers your home for the rebuild value, should your property require a complete rebuild following a claim. You will find that the cost of rebuilding is usually lower than its overall market value, this is because you won’t have to buy the land again.
The rebuild value should include the cost of any permanent fixtures or fittings, including spotlights, bathroom suites and kitchen units. For further support, the Association of British Insurers have a free calculator that helps you calculate your house rebuild cost and provides a good estimate of the value.
While our cover is comprehensive there are scenarios that are not covered within the policy. These include:
- General wear and tear
- Pollution
- Damage caused by insects or vermin
- DIY disasters or damage that you’ve caused yourself (this can be covered by extended accidental damage cover)
- Any loss or damage to your contents
Further details of cover and exclusions can be found in your Policy Document.
Outbuildings, including garages, sheds and greenhouses are usually covered by buildings insurance, but it's good to check when you get your quote.
Like most of our insurance policies, we may offer a discount to policyholders who haven’t made a claim on their buildings insurance. However, please be aware that it’s not a certainty that you’ll receive a discount when your policy is up for renewal.